when to move on to IVF

Ju
When do you choose to move on from IUI to IVF? What were the deciding factors? We are on 10months with the RE and 8 months of meditated cycles (clomid, then clomid+trigger, then femara +trigger) and I'm feeling like it's time to make a choice.
Our insurance covers IUI but no IVF- but, months of paying for the cost of medication, OPKs, pregnancy tests adds up. The cost accrued would have paid for a hefty chunk of IVF by now. Lately It feels like the odds with IUI don't balance out the lost time and cost accrued.
 We are "unexplained infertility"- DHs SA numbers are fantastic and all of my tests come back come fine (I do have irregular periods and irregular bleeding with no definable cause).
As we work through the process of trying to figure out which path to take moving forward I'd appreciate insight from those of you who've gone through the process. 
Thanks in advance ladies!

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